RICHMOND, VA (WWBT) – Many of you on Facebook and Twitter have been asking questions about whether or not damage from Hurricane Irene is covered by your insurance. NBC12 contacted AAA Mid-Atlantic and they provided us with answers to some of the most common questions people ask about storm damage.
According to AAA, your homeowner's policy will cover the damage, and it will do so up to the policy limits, minus your deductible.
Most Frequently Asked Questions about Wind or Tree Related Damage (Source: AAA Mid-Atlantic)
Q. Who is responsible when your neighbor's tree falls on your house, car or property? Should my neighbor's insurance company pay?
A. Unless negligence can be proven, the neighbor's policy covers his/her house and your policy covers your house. Generally, if the tree is damaged due to a storm, the owner would not be considered negligent.
Q. My tree fell on my neighbor's house. Does my policy pay the damage caused by the tree? Who pays to remove the tree?
A. The neighbor's policy covers his/her house and your policy covers your house. Your neighbor's policy would also pay to have the tree removed from his house.
Q. My tree fell in my yard. Will the insurance company pay for it?
A. Most policies cover clean up and removal of fallen trees that cause damage to your home or property. Some policies cover clean up and removal of fallen trees that block your driveway.
Q. My neighbor's tree overhangs my house. If it damages my house by falling down or limbs fall down, would my AAA homeowner's insurance cover the damages?
A. Even though it's the neighbor's tree, it's going to be covered by your policy. Your policy will fix your house, then remove the portion of the tree that is on your yard. Notify your neighbor of the potential hazard and request that they address the situation. Making and documenting this request would assist your insurance company in the subrogation process if in fact damage should occur.